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4.3/5 Editorial Score

IRCTC RuPay BOBCARD Credit Card

Railway Travel & UPI Credit Card with up to 40 Reward Points on IRCTC

Best Suited For

Frequent train commuters and railway travelers looking for ticket cashback, 0% transaction charges on IRCTC, and UPI interoperability.

Travel

Joining Fee

₹500

One-time upfront

Annual Fee

₹350

Waived on ₹50,000 annual spend

Base Rewards

4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets...

On eligible spends

Airport Lounge

4 Domestic visits/year

Complimentary visits

Apply Now Compare Card Official Terms

See where this card gets lounge access

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.3/5 Editorial Score

The IRCTC RuPay BOBCARD Credit Card is an essential payment tool for India's millions of regular train travelers. Co-created by BOBCARD (formerly BOB Financial Solutions) and the Indian Railway Catering and Tourism Corporation (IRCTC) on the RuPay network, it commands an affordable joining fee of ₹500 and annual fee of ₹350, both easily recovered through railway travel savings. The card delivers up to 40 reward points per ₹100 spent on booking train tickets for AC classes (1AC, 2AC, 3AC, and Executive Chair Car) via irctc.co.in or the IRCTC Rail Connect app, translating to an outstanding reward return. Cardholders also save 1% on payment gateway transaction charges for train bookings. Furthermore, it provides 4 complimentary visits per year to IRCTC Executive Lounges at major railway stations. Because it operates on RuPay, it can be linked seamlessly to Google Pay, PhonePe, or Paytm for daily UPI QR merchant transactions, earning points on every scan.

Ideal For:Frequent train commuters and railway travelers looking for ticket cashback, 0% transaction charges on IRCTC, and UPI interoperability.

Travel

Card Strengths

Up to 40 Points on IRCTC: Earn up to 40 reward points per ₹100 spent on booking AC train tickets on irctc.co.in or IRCTC app.
RuPay UPI Integration: Link your credit card to any UPI app to make everyday scan-and-pay merchant purchases effortlessly.
1,000 Welcome Points: Receive 1,000 bonus reward points on spending ₹1,000 or more within 45 days of card setup.
IRCTC Executive Lounge Access: 4 complimentary visits per year to dedicated IRCTC Executive Lounges at major railway stations.
1% Railway Surcharge Waiver: Save 1% payment gateway transaction surcharge on train bookings made through IRCTC portal.

Things to Keep in Mind

₹350 Annual Fee: Annual fee of ₹350 applies unless ₹50,000 annual spend waiver condition is met.
Points Restricted to AC Bookings: Accelerated railway points apply only to AC class ticket bookings, not sleeper or general quota.
No Airport Lounge Access: Provides railway executive lounge access only; does not provide airport lounge visits.
Modest Fuel Waiver Limit: Fuel surcharge waiver is capped at a modest ₹100 per statement cycle.

Additional Cardholder Privileges

Rewards

4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC

Welcome

Welcome Benefit 1

500 Bonus Reward Points on Spending ₹5,000 Within the First 60 Days of Card Issuance

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: BOBCARD Reward Points
Reward Currency: BOBCARD Reward Points
Base Earn Rate: 4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets...
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
IRCTC Train Ticket Bookings (AC Classes)	Up to 40 Reward Points per ₹100 spent on IRCTC website/app for AC train bookings (10% valueback; 1 RP = ₹0.25)	1,000 Reward Points / statement cycle	Standard terms apply
Grocery & Supermarket Spends	4 Reward Points per ₹100 spent on groceries	No Cap	Standard terms apply
Other Retail Spends	1 Reward Point per ₹100 spent	No Cap	Standard terms apply

Featured Merchant HubsAll Merchants

IRCTC Hub

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

IRCTC Train Ticket Bookings (AC Classes)10.00%

Cap: ₹1,000/statement_cycle

₹

Grocery & Supermarket Spends1.00%

No published cap

₹

Other Retail Spends0.25%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
IRCTC Train Ticket Bookings (AC Classes)	₹6,000	Up to 40 Reward Points per ₹100 spent on IRCTC website/app for AC train bookings (10% valueback; 1 RP = ₹0.25)	—	₹1,000/statement_cycle	Calculating...	Under cap
Grocery & Supermarket Spends	₹6,000	4 Reward Points per ₹100 spent on groceries	—	None	Calculating...	Under cap
Other Retail Spends	₹18,000	1 Reward Point per ₹100 spent	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹350

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹350 annual fee.

Multi-card comparator

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 4 complimentary visits per year
Spend Requirement: Verification in progress
Network Program: IRCTC Railway Executive Lounge

1 complimentary railway lounge visit per calendar quarter (4 per year)

International Lounge Access

Global airports outside India

None

Complimentary Visits: Not available
Spend Requirement: Unavailable
Access Type: International Lounge Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance4 Domestic visits/year

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹500
Annual / Renewal Fee (2nd Year Onwards): ₹350
Annual Spend Fee Waiver: Waived on ₹50,000 annual spend
Fee Terms Notes: Railway co-branded card on RuPay; fee waived on ₹50,000 spend; up to 10% valueback on train tickets; 4 railway lounges

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Salaried professionals earning over ₹2.4 Lakhs p.a. or self-employed with equivalent ITR; age 21 to 65 years. • Joining & Annual Fee: ₹500 joining fee; ₹350 annual renewal fee (waived on spending ₹50,000 in previous card year). • Welcome Gift: 1,000 bonus reward points on single retail spend of ₹1,000 or more within 45 days of card issuance. • Railway Rewards: Up to 40 reward points per ₹100 spent on AC train ticket bookings (1AC, 2AC, 3AC, CC, EC) on irctc.co.in / app. • IRCTC Savings: 1% transaction surcharge waiver on railway ticket purchases via the IRCTC ticketing website and mobile app. • Railway Lounge Access: 4 complimentary visits per calendar year to IRCTC Executive Lounges at key railway stations across India. • UPI Payments: Seamlessly link to UPI apps (BHIM, PhonePe, GPay) for instant merchant QR scan-and-pay transactions. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 (maximum waiver ₹100 per cycle).

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹350 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding IRCTC RuPay BOBCARD Credit Card application, fees, reward redemption, and eligibility

How do I link IRCTC RuPay BOBCARD to UPI?

Open your favorite UPI app (PhonePe, Google Pay, BHIM, or Paytm), select 'Add RuPay Credit Card on UPI', choose BOBCARD, and set up your 6-digit UPI PIN to start scanning and paying.

What is the reward rate on booking train tickets with IRCTC BOBCARD?

You earn up to 40 reward points per ₹100 spent on booking 1AC, 2AC, 3AC, and Executive Chair Car tickets via the IRCTC official website or mobile app.

How many railway lounge visits are included on IRCTC RuPay BOBCARD?

The card includes 4 complimentary visits per calendar year to IRCTC Executive Lounges located at designated railway stations across India.

What is the annual spend required to waive the renewal fee?

The annual fee of ₹350 is waived upon spending ₹50,000 or more in eligible purchases during the preceding card year.

What is the joining and annual renewal fee for IRCTC RuPay BOBCARD Credit Card?

The joining fee for IRCTC RuPay BOBCARD Credit Card is ₹500 (one-time), and the annual renewal fee is ₹350 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on IRCTC RuPay BOBCARD Credit Card be waived?

Yes, the annual renewal fee of ₹350 is waived upon achieving annual spends of ₹50,000 in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on IRCTC RuPay BOBCARD Credit Card?

IRCTC RuPay BOBCARD Credit Card offers 4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets.... Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does IRCTC RuPay BOBCARD Credit Card offer complimentary airport lounge access?

Yes, IRCTC RuPay BOBCARD Credit Card provides 4 Domestic visits/year.